NEW YORK – October 20, 2022 – (Newswire.com)

Credello: Divorce is a difficult and complicated process, full of uncertainties and unknowns. But one thing that is generally certain is that the financial obligations between spouses will change after a divorce. Unfortunately, student loans and divorce is a popular-yet-messy topic many people facing a legal separation need to consider. So how does it work when you’re in debt from student loans while getting a divorce? Here’s what you need to know.

A primer on student loan debt

Student loans are a popular way to pay tuition and education expenses for continuing education. Typically, two student loan options are available for most students: government and private.

Some government student loans can be forgiven or have their balances lowered. Most recently, President Biden forgave $10,000-$20,000 in student loan debt for qualified U.S. citizens. Other federal programs can reduce your loan balances in exchange for certain careers, such as teaching.

Both government and private loans cannot be discharged during a bankruptcy filing and will most likely need to be paid off in full. Few companies that offer private student loans will allow debt settlements or reductions in balances due to hardship.

How student loan debt works in a divorce

When you get divorced, all of the debts between you and your spouse become legally separate. This means that each of you can deal with your own debt, including student loans. 

Basically, this means that if one spouse has student loans, the other can’t discharge them in a divorce. However, this doesn’t mean the other spouse must keep paying off the loans. 

Instead, the responsibility for those debts shifts to the divorcing spouses fairly and equitably. This means that whoever is responsible for the debt at the time of separation is responsible for continuing to pay it off after the divorce.

Student loans are one of the few debts that cannot be discharged in a divorce. This is because student loans are considered an “essential expense” for most students and are often used as a form of credit to help pay for college. In other words, your ex-spouse can’t just demand that you pay off your student loan debt to get custody of the children or receive financial support from you during the divorce.

That said, there are some things that your ex-spouse may be able to demand from you during the divorce if they’re responsible for paying off your student loan debt. For example, your ex-spouse may be able to get a court order requiring you to pay your student loan debt in full or to have a set portion of alimony paid directly to your student loan creditor. However, this varies by state, so it’s essential to consult with a lawyer if you have student loan debt and are considering a divorce.

What if both of us have outstanding student loan debt?

The situation gets a little more complicated if both spouses have outstanding student loan debt. In this case, the court will generally try to divide the debt fairly between the two parties. This may mean that each spouse is responsible for paying off their own loans, or it may mean that the debt is divided between them in some other way.

Again, it’s important to consult with a lawyer if you’re in this situation, as the laws surrounding student loan debt and divorce can vary from state to state.

The bottom line

In short, while student loan debt can’t be discharged in a divorce, each spouse is responsible for continuing to pay it off after the divorce. This means that whoever is responsible for the debt at the time of separation is responsible for continuing to pay it off after the divorce. If both spouses have student loan debt, the court will generally try to divide the debt fairly.

Contact Information:

Keyonda Goosby

Public Relations Specialist

[email protected]

(201) 633-2125

Carolina d’Arbelles-Valle

[email protected]

+1 305 849 8443

Press Release Service
by
Newswire.com

Original Source:

How Are Student Loans Split When You Get Divorced

NEW YORK – October 20, 2022 – (Newswire.com)

iQuanti: Not all marketing methods are created equal. As a small business owner, you want to ensure that the strategies you’re using will give you results — and offer a good return on your investment. That’s where influencer marketing comes in. 

You may have heard of influencer marketing before. It’s a form of marketing that allows a company to team up with a social media influencer — someone who has a large or niche following on social media. While you may have just assumed that this form of marketing is for the big brands — Nespresso, Coke, and Levi’s — the truth is that it’s a great marketing strategy for smaller businesses as well. The great news is that you don’t need unlimited resources or a huge marketing budget to get started with influencer marketing. Even small businesses can benefit from a carefully crafted influencer marketing campaign. If you’d like to get the word out about your products or services, influencer marketing can help greatly. 

Here’s a look at six benefits that influencer marketing can offer small business owners today.

What Are the Benefits of Influencer Marketing?

1. It allows you to reach a niche audience

Most businesses have a specific target audience that they’re trying to reach. Influencers have already built up a strong relationship with their followers and by teaming up with them, you’ll be able to reach your intended audience far more easily than if you were building your audience from scratch. 

Pro tip: Make sure you get the right influencer to begin with. For the best results, find someone who shares a target audience with you. 

2. It gives you an excellent return on your ad spend

Influencer marketing can be more cost-effective than other marketing strategies such as traditional advertising or pay-per-click (PPC) campaigns. In fact, according to information from the Digital Marketing Institute, businesses earn on average $5.78 for every $1 they spend on influencer marketing campaigns, compared to Google’s estimated $2 ROI for every $1 spent on PPC. Returns like that make influencer marketing a tactic to consider, even if you’re working with a tight budget.

Pro tip: There’s a lot that you can do to keep costs down when running marketing campaigns. One strategy is to try to use a business credit card to pay for your marketing or advertising campaigns. Why use a business credit card vs. a personal one? Often, a carefully chosen business credit card will offer specific rewards and perks that can help a business to reduce costs — and with a business card, introductory bonuses are typically higher as well.

3. It’s a great way to increase brand awareness  

Influencer marketing can be a great way to increase brand awareness for your company, something that’s especially important if your brand is unknown. By partnering with influencers who already have an engaged following, you can increase the reach of your marketing campaign and boost your company’s publicity.

Pro tip: Look to partner with an influencer who has a high engagement rate among their followers. Often, you’ll find that influencers with a slightly lower follower count tend to have higher engagement rates.

4. It’s an easy way to boost your website traffic  

A successful influencer marketing campaign will almost certainly boost your website’s traffic. Just make sure you outline your campaign goals clearly to your influencer, so they know exactly what you’d like to get out of the campaign. 

Pro tip: Get ready for those visitors. Don’t just send people to a generic homepage. For best results, make sure you have a dedicated landing page built for each campaign to boost your conversion rates.

5. It allows you to generate leads and increase sales — fast

When influencers share content about your business with their audience, you’re likely to see an influx in traffic to your website. If you’ve chosen your influencer wisely, and they have the same target audience as you, some of that traffic will almost certainly translate into sales.

When influencers endorse your products or services, their followers are more likely to trust what you have to offer. In fact, 49% of consumers depend on influencer recommendations when making a buying decision, according to the Digital Marketing Institute. The more your business can get its message in front of an influencer’s audience, the greater the chance of those marketing efforts paying off.

Pro tip: Make sure your landing page is structured in a way to close sales. Each section should be helpful, relevant, engaging, and close with a clear call to action at the end.

6. It will help to build a relationship with your customers  

Last but certainly not least, influencer marketing can help you build stronger relationships with your customers. That’s because influencers develop trust with their followers that can extend to your business. When a well-known and trusted influencer mentions how much they like your products or services, their followers will naturally want to learn more.  

Pro tip: A one-time influencer campaign is a great first step, but an ongoing strategy is best. Influencer marketing can lead to long-term relationships between businesses and influencers, resulting in continued exposure for your company. 

The bottom line  

When done right, influencer marketing can help your business to boost its online presence, draw in new traffic, and even close more sales. Most importantly, it can give you access to a wider and often more engaged audience, one that’s ready and willing to buy. At the end of the day, it can also help you to save money on marketing costs, all of which translate to greater potential profits for your company — making it one strategy that’s worth exploring for your small business.

Source article: https://digitalmarketinginstitute.com/blog/20-influencer-marketing-statistics-that-will-surprise-you

Contact Information:

Keyonda Goosby

Public Relations Specialist

[email protected]

(201) 633-2125

Carolina Darbelles

Senior Public Relations Specialist

[email protected]

(201) 633-2125

Press Release Service
by
Newswire.com

Original Source:

6 Ways Influencer Marketing Can Boost Your Business’ Digital Presence

NEW YORK – October 20, 2022 – (Newswire.com)

iQuanti: Chances are you ha…

NEW YORK – October 20, 2022 – (Newswire.com)

iQuanti: Paychecks aren’t t…

Four percent and other financial advisor recommendations are unsupported mathematically.

Retirement Withdrawal Rate Retirement Nest Egg
…

NEW YORK – October 19, 2022 – (Newswire.com)

iQuanti: These days, the pr…

LEONA VALLEY, Calif. – October 19, 2022 – (Newswire.com)

The Leona…

NEW YORK – October 19, 2022 – (Newswire.com)

iQuanti: Debt consolidation…

NEW YORK – October 19, 2022 – (Newswire.com)

iQuanti: If you’re in a cash crunch and have no credit, you may be wondering how to get the funds you need. Luckily, there are still plenty of options at your disposal. And even though it may be difficult to find online loans with no credit check, many lenders have less strict credit score requirements and approve borrowers with poor or no credit. If that sounds like you, you might want to try one of the following:

1. Find a co-signer with better credit

Consider finding someone you trust (and who trusts you) to be a co-signer on your loan application. This means they’re taking responsibility for repayment of the loan if you default or can’t fulfill your obligation. The loan will show up on their credit report also, so make sure you make all your payments on time. 

Lenders will be more lenient with a no-credit borrower when they have a co-signer. Younger people with no credit often start their credit history with a personal or student loan co-signed by their parents. During the loan approval process, the lender will use the higher of the two applicant’s credit scores to determine creditworthiness.  

2. Search online for poor-credit loans

There are many online lenders who specialize in poor and no-credit loans. They work with people who have credit scores below the industry standard that many traditional banks require for personal loans. With these loans, you can have poor, fair, or no credit and still get approved. Spend some time doing online research and you should be able to find a good lender. Here are some types of poor-credit loans that may be available to you:

• Cash advances: These are short-term, small dollar loans that can get you a few hundred dollars to cover expenses before payday. You’ll repay this loan in two to four weeks when you get your next paycheck.
• Title loans: With title loans, you can receive the funds you need using your car title as collateral. The lender will appraise your vehicle, then offer you a loan amount worth 25 to 50% of its value. You can keep driving your car while you repay the loan.
• Installment loans: Installment loans can give you a lump sum of money all at once. Then, you can repay what you owe over time in fixed monthly payments, or installments.

3. Ask your friends and family for some funds

No one wants to borrow money from friends and family, but financial distress is a real dilemma. If it comes down to asking for help or missing a rent/mortgage payment, ask for help. Reach out to friends and family, be sincere about your circumstances, and offer repayment terms you can afford. 

Another approach here is to exchange labor for funds. Everyone needs some work done around the house. Mowing the lawn, painting a bathroom, or helping someone move are all tasks that could warrant some type of financial compensation. And maybe you can even turn that type of work into a side hustle to get you out of the financial situation you’re in. 

The bottom line:

Traditional banks and credit unions aren’t the only places you can borrow money. Online lenders often specialize in poor-credit loans. You can increase your chances of approval by asking someone to co-sign for you. If all else fails, reach out to friends and family for help or come up with a side hustle where you can make some extra money. 

Contact Information:

Keyonda Goosby

Public Relations Specialist

[email protected]

(201) 633-2125

Carolina Darbelles

Senior Public Relations Specialist

[email protected]

(201) 633-2125

Press Release Service
by
Newswire.com

Original Source:

What to Do if You’re Short on Funds With No Credit

Air-Clenz Systems receives second U.S. patent as part of the company’s innovative work to make indoor air cleaner, safer, and healthier

Air-Clenz Seatback Vector Illustration
A vector illustration shows a cough stopped, captured, and cleaned by Air-Clenz\u2122.

ATLANTA – October 19, 2022 – (Newswire.com)

Air-Clenz Systems™ (Air-Clenz™) was today granted a pioneer U.S. patent, U.S. 11,471,553, as part of the company’s ongoing effort to make indoor air cleaner, safer, and healthier for all. The patent covers the back of all seats, chairs or benches used in any indoor venue or vehicle (including aircraft) in the United States when an air purifier or an Air-Clenz™ unit is integrated in or attached to the back of a seat, chair or bench. Additionally, it covers all types of electronic display screens when the electronic display screen acts to block and deflect exhaled air mixed with room air towards and into an air suction intake of an attached, integrated or associated air purifier or Air-Clenz™ unit. Additional patent applications are pending. 

“Today is an important step in a two-year-plus journey for Air-Clenz™,” explained company Chief Executive Officer Stuart Sheldon. “It recognizes the visionary thinking of our founder Dr. Ronald Blum, our Chief Scientist Anita T. Broach, PhD., and others to fundamentally change how the world approaches improving indoor air quality. This patent acknowledges that Drs. Blum and Broach were the first to figure out how to quickly stop, capture, and clean an exhaled breath, cough or sneeze within the first three to four feet from someone’s mouth and nose, before it — and any possible airborne disease it may carry — can spread through the indoor space.” When one sits behind a seat, chair or bench, or in front of an electronic display screen such as a desktop monitor, laptop or tablet, their exhaled air can be blocked and its forward motion stopped, allowing it to be quickly captured and cleaned by an air purifier or an Air-Clenz™ unit. In most cases, the distance from the back of a seat, chair or bench or the front of an electronic display screen is three feet or less from the individual’s face, whose exhaled air is being captured and cleaned.

The World Health Organization (WHO) recently warned about the low vaccination rate in Europe and believes a new wave of COVID will soon spread across Europe, as well as an increase in influenza. While the BA.4 and BA.5 variants fuel increasing COVID rates in Europe, the BQ.1, BQ.1.1, and XBB variants are cause of concern in the U.S. and Canada, and BA.2.75.2 in India. Scientists and medical doctors warn that increased respiratory infections will occur this fall and winter in the U.S. COVID, influenza, the common cold, mumps, measles, tuberculosis and whooping cough are all transmitted by airborne infectious respiratory particles from one human to another.

Anita Broach, PhD, Air-Clenz™ Chief Scientist, said, “Because we can’t see airborne viruses and bacteria, most people don’t realize how easily they are spread by an exhaled breath, cough or sneeze — or by contaminated interior air flow being pulled towards the return of an HVAC [Heat, Ventilation, Air Conditioning] system, or the air intake of a conventional air purifier. Air-Clenz™ is the only known mask-free solution that quickly stops, captures, and cleans an exhaled air breath, cough or sneeze before it spreads throughout an indoor venue or vehicle. Air-Clenz™ can capture and clean an exhaled air breath, cough or sneeze to 99.97% pure in less than 10 seconds. Scientists and health professionals know that an exhaled air breath contains up to 100 micron and submicron particles traveling up to 3.5 miles per hour. A cough contains up to 10,000 micron and submicron particles at up to 50 miles per hour, while a sneeze contains up to 100,000 micron and submicron particles traveling up to 100 miles per hour.”

In addition to blocking, quickly capturing, and cleaning exhaled air, Air-Clenz™ increases the clean air turns per hour (ACH) in a room or venue. Multiple highly reputable studies performed or reported by major universities, research institutes, and companies such as the Massachusetts Institute of Technology (M.I.T.), Harvard, Yale, the National Institute of Health (N.I.H.), and the Carrier Corporation have concluded that when indoor clean air quality is improved, not only can cross-airborne infection be reduced, but cognitive ability, productivity, and performance can be greatly enhanced. 

Dr. Ron Blum, Chairman of Air-Clenz Systems™, stated, “We are most pleased and excited about the scope and strength of this new U.S. patent. It provides intellectual property protection for any air purifier or Air-Clenz™ unit that is attached to, integrated in or associated with the back of all types of seats, chairs or benches for any indoor venue, such as office, school, theater, house of worship, home, as well as any vehicle, such as automobile, truck, train, bus, subway, ship or aircraft. This patent also provides intellectual property protection for any electronic display screen, such as an electronic display screen attached to the back of an aircraft seat, the front of computer monitors, laptop computers, exercise equipment, gambling machines, etc., where the electronic display screen blocks and deflects a mixture of exhaled air and room air towards and into an air suction intake of an air purifier or Air-Clenz™ system that is attached, integrated or associated. Further, while Air-Clenz™ utilizes true HEPA filter technology, the patent covers all known possible ways of cleaning and/or purifying indoor and exhaled air. We have been most diligent in protecting our intellectual property. The combination of U.S. 11,471,553 and 11,324,850 now provides Air-Clenz™ with solid patent protection. In addition, Air-Clenz™ has numerous additional patent applications filed and pending in the U.S. and around the world.”

About Air-Clenz Systems™

Air-Clenz Systems™ (Air-Clenz™) (www.Air-Clenz.com), based in Atlanta, Georgia, was launched by success-proven inventors, scientists, and collaboration partners attempting to solve major global challenges caused by the coronavirus pandemic, with an eye to benefiting the global population at large. Air-Clenz’s proprietary technology and approach are directed at the quick capture and cleaning of airborne particles from exhaled air before they can disperse within an indoor room and be transmitted to others. The technology can be adapted to work in most indoor venues where individuals are seated, including schools, offices, houses of worship, learning institutions, theaters, and vehicles of all types, including aircraft. 

The Air-Clenz™ approach to business is that of licensing and/or selling its IP, after having invented, developed working prototypes, proven and protected its intellectual property.

Contact Information:

Stuart Sheldon

CEO

[email protected]

+1 404-754-4004

Related Images

Air-Clenz Seatback Vector Illustration


A vector illustration shows a cough stopped, captured, and cleaned by Air-Clenz\u2122.

Air-Clenz Computer Monitor Comparison


Computer model illustration shows the significant difference in the spread of an infectious cough without (left) and with (right) Air-Clenz\u2122.

Press Release Service
by
Newswire.com

Original Source:

An Innovation to Stop the Spread of COVID, Flu, Colds, and More May Be Right in Front of Your Face